Homes & Gardens

How the Debt-to-income Ratio for a Mortgage Works

You might be wondering, "Can you get a mortgage with debt?" Banks use something called the Debt-to-Income Ratio to decide if you can borrow for a house. This blog will show you how to calculate debt to income ratios and what numbers lenders want to see.

Stick around, because getting your dream home may depend on it!

Key Takeaways

  • Banks use the Debt-to-Income (DTI) Ratio to decide if you can get a mortgage. It compares your debts to your income.
  • There are two types of DTI: Front-End focuses on housing costs, Back-End includes all debts. Lenders
  • ...

Liv Butler

Liv Butler

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A Complete Guide to Roof Renovation

Roof renovation is one of the most important tasks when it comes to your ability to take care of your home. This is important regardless if it’s just a rental property, an investment property or a family home. Of course, this can end up being a hefty investment, yet, the truth is that the value that you get is more than worth the initial investment. For all of this to work, however, you need to have a sound plan, so here’s a brief guide to roof renovation that you should closely examine before embarking on such a project yourself.

1. A plan

The first thing you need to...

100-year-old dragons restored for topping out ceremony

Authored by Glen King PR
Posted: Wed, 05/22/2019 - 11:13am

Simon Friend of Red Earth Developments, owner of the landmark redevelopment of The Yealm, knows a thing or two about Wyvern – a winged, two-legged Chimera dragon with a barbed tail. He commissioned local historical monuments and buildings restoration specialist, Guy Marsh based in Chulmleigh, to repair six 100-year old dragons to reinstate them on the roof in a ‘topping out’ ceremony at the former Yealm Hotel situated in the heart of the picturesque twin riverside villages of Newton Ferrers and Noss Mayo. He said: “The dragons are earthenware terracotta and likely date from when the hotel...

How to get your house ready for summer

Summertime is right around the corner, and many people are excitedly preparing for it. After months of cold, wet weather, everyone could do with more than a little sunshine in their lives. During the summer, you’re likely to find a string of gatherings, garden parties and barbeques taking place as a way of welcoming the sun and celebrating its presence with loved ones. If you are hosting them, you want to get your house ready. Even if you aren't hosting any gatherings, you may just want to liven it up. Below is how you can get your home ready for summer.

Do a Spring Clean

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What to include in your home maintenance to-do list

As the summer months approach , many of us are finishing off the spring cleaning and getting ready to enjoy our holidays. Before leaving your home, though, it’s important to take care of regular summer maintenance to avoid any issues in the autumn, especially considering that construction and repair costs are on the rise in Exeter and throughout the UK. Here are some of the top things that you should be sure to include in your home maintenance to-do list in the coming months.

Clean the Gutters

Even though the leaves aren’t falling yet, it’s a good idea to grab the ladder...

A guide to pile foundations for homes

Authored by David Banks
Posted: Tue, 05/14/2019 - 10:40am

Piles are simply long cylinders made using strong and robust materials such as concrete that are pushed into the ground to provide steady support for a structure built on top of the foundation.

We use pile foundations in situations such as:

#1. Instances where the top layer of soil at the construction site is weak. Such a layer does not provide ample support for the weight of the building. As such, the piles are used to transfer loads of the structure to a stronger and sturdier layer of soil or rock.

#2. Instances of a heavy building or a structure with concentrated...

The gardens at Holcombe Rogus

Hospiscare’s Open Gardens shows off Devon’s hidden treasures

Authored by Hospiscare
Posted: Mon, 05/13/2019 - 10:22am

This year will once again see Hospiscare teaming up with local residents who are gladly opening their gardens in support of what is now a favourite staple in the charity’s calendar. This year, Hospiscare Open Gardens is entering its fifteenth year and to date has raised the awe inspiring amount of £227,000. This is thanks to the gardeners who work tirelessly caring for their outdoor spaces, the visitors who turn out in force to marvel at these treasured lands and the friends, family and volunteers who come together to make it all possible.

2018 was a record breaking year for the...

How to give your bathroom that Instagram worthy look

Authored by Claire Small
Posted: Fri, 05/03/2019 - 10:34am

At one time, home and bathroom inspiration was delivered to us via glossy magazines. Next came online magazines, shortly followed by Pinterest. While we’re still a nation who endlessly pin those stunning styled shots of other people’s homes on our own ‘dream interior’ boards, we’re now obsessing over Instagram.

Finding home and bathroom ‘inspo’ is now something we can access in an instance. We can simply be watching TV while scrolling through hundreds of beautiful bathrooms.

As bathrooms are now giving a nod to the wellness and self-caretrends, they are portrayed as a place...

What are your responsibilities as a tenant?

Authored by David Banks
Posted: Mon, 04/29/2019 - 10:39am

Tenants of private rented buildings have various rights and responsibilities under the UK law. As a tenant, it is important to know your rights and what the landlord can rightfully do in different situations. For instance, your landlord should ensure the building structure is well maintained. Boilers, water works, electricity, air conditioners and drainage systems should also be working efficiently. You can always sue the landlord if they fail to meet their end of the contract or if they harass and jeopardize your legal entitlements. Similarly, landlords can sue you for failing to meet...

Risky Brits don't check if gas engineers are working legally in their homes

Authored by Sam Richards
Posted: Mon, 04/29/2019 - 10:23am

A third (33%) of UK adults admit they’ve not checked if the engineer working on their home’s gas appliances is doing so legally by being on the Gas Safe Register, according to the latest research findings by the Government’s official gas registration body.

The findings come as the Gas Safe Register nears completing 2,000 illegal gas work investigations in three years, more than two thirds of which (69%) were found to be unsafe meaning the people living in the properties investigated were in potential danger from faulty gas work.

Alarmingly, respondents thought they’d...

Summer Home Selling Tips - How to Stage Your House

Staging is so important when it comes to selling your house. It is the best way for potential buyers to get a feel for the space and really start to picture themselves living there.

We have put together a list of tips to help you with staging your home, to make sure your house gets snapped up quick!

First Impressions Matter

Potential buyers will be examining everything as soon as they approach the property. So the last thing you want is a messy garden or flaky paint on a garden wall.

Take the time to tidy up the outside of your home and any surrounding...

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